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Androscoggin Savings Bank

Lewiston, ME · Cert 17751 · Androscoggin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=266 to 267). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

17

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Androscoggin Savings Bank

Lewiston, ME · Cert 17751 · Androscoggin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$1.8BAssets
$1.5BLoans
$1.4BDeposits
$189.8MEquity
Loan mix
89%RE $1.3B10%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $1.2B14%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.57%Q2 ’244.60%Q2 ’254.83%Q2 ’26+5%+8%

Non-interest income vs. expense

2.41%Q2 ’242.43%Q2 ’252.49%Q2 ’26+4%-2%

Market Position · Lewiston-Auburn, ME · 2026 SOD (annual) · 36.4% share · #1 of 9 inst. · $0.8B of $2.1B

36.4% Androscoggin
2.9% Cumberland
14.0% Franklin
6.8% Oxford

Executive Summary

  • Earnings: ROA of 0.67%, up 22 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.48% of loans (+31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.76%, up 26 bps from a year ago.
  • Funding: loans stand at 103.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+21 bps YoY

Efficiency Ratio (YTD, annualized)

73.92%-553 bps YoY

Tier 1 Leverage Ratio

10.76%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.50%0.55%0.55%0.67%+22 bps
Return on Equity4.95%5.30%5.75%5.38%6.47%+151 bps
Net Interest Margin2.64%2.72%2.69%2.76%2.85%+21 bps
Efficiency Ratio79.45%77.70%76.55%76.01%73.92%-553 bps
Non-Interest Burden2.01%2.00%1.94%1.97%1.96%-4 bps
Growth
Asset Growth (YoY)8.28%6.86%10.13%5.02%0.04%-824 bps
Loan Growth (YoY)8.26%7.84%8.47%5.37%1.39%-687 bps
Deposit Growth (YoY)4.44%4.94%10.74%6.81%4.19%-25 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.31%0.33%0.62%0.48%+31 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.94%0.96%0.96%0.97%0.99%+5 bps
Allowance Coverage of NPLs5.6x3.0x2.9x1.6x2.1x-3.6x
Capital
Tier 1 Leverage Ratio10.50%10.62%10.33%10.77%10.76%+26 bps
Total Risk-Based Capital13.92%13.93%13.82%13.94%14.19%+27 bps
Equity / Assets9.95%10.09%10.05%10.48%10.76%+81 bps
Liquidity & Funding
Loans / Deposits106.09%107.47%102.26%104.34%103.24%-285 bps
Liquid Assets / Assets4.61%3.79%6.47%4.15%4.02%-59 bps
CRE / Total Capitaln/a345%361%351%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Androscoggin Savings Bank

Lewiston, ME · Cert 17751 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Androscoggin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$1.8BAssets
$1.5BLoans
$1.4BDeposits
$189.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 35 of 267).
  • Widest gap: return on equity trails 88% of banks $1B-$10B in assets operating in a single state (rank 235 of 267).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.68%

Rank 235 of 267

Net Interest Margin

2.85%

Rank 228 of 267

Efficiency Ratio

73.92%

Rank 223 of 266

Equity / Assets

10.76%

Rank 114 of 267

Non-interest income vs. expense

$9.5M$45.0MINCOMEEXPENSE
Unfavorable gap of $35.6M · efficiency ratio beats 17% of banks $1B-$10B in assets operating in a single state
Bank 73.92%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.93%1.23%1.55%Beats 12%235 / 267
Return on Equity6.36%9.16%11.84%14.56%Beats 12%235 / 267
Net Interest Margin2.85%3.12%3.50%3.88%Beats 15%228 / 267
Efficiency Ratio73.92%51.36%60.21%69.66%Beats 17%223 / 266
Asset Quality
Nonperforming Loans / Loans0.48%0.19%0.46%0.89%Beats 47%143 / 267
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 88%35 / 267
Capital
Tier 1 Capital Ratio13.15%11.29%13.05%15.13%Beats 51%132 / 267
Total Risk-Based Capital Ratio14.19%11.95%13.87%16.27%Beats 53%126 / 267
Equity / Assets10.76%9.18%10.29%11.76%Beats 57%114 / 267
Liquidity & Funding
Loans / Deposits103.24%72.68%86.16%95.22%88th pctl32 / 267
Loans / Assets83.73%62.46%71.96%78.38%91st pctl23 / 267
Brokered Deposits / Depositsn/aNot reported for this institution